540 Nathan McDaniel Dr, Nebo, NC 28761 Property Records

McDowell County property record for 540 Nathan McDaniel Dr, Nebo, NC 28761

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 1,512 sqft · built 2004
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Individual Names on File
Last Sale	$528,000 (Jun 2023)
Tax Bill	$2,283 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1647-00-76-7322`

Property Details

APN / Parcel Number

Primary APN	`1647-00-76-7322`
Alternative APNs	`71161` `79951`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	1,512 sqft Heated Area
Gross Area	3,004 sqft
1st Floor Area	896 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Flooring	Hardwood
Interior Walls	Plywood

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2014
Architectural Style	Ranch
Exterior Material	Logs
Roof Type	Gable
Roof Material	Asphalt
Lot Area	54,014 sqft (1.24 acres)
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	79951
Street Address	540 NATHAN MCDANIEL DR
City	NEBO
State	NC
Zip	28761-6103
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	1.24 AC LT 68 HIDDEN LAKE PB9/18
Legal Subdivision	HIDDEN LAKE
Legal Phase	3
Legal Lot Number	68
Jurisdiction	MCDOWELL NC
Township / Civil Division	DYSARTSVILLE
Census Block Group	2
Census Block	2043
Census Tract	970903

Owner

540 Nathan McDaniel Dr, a rural home, is owned and occupied by two individuals who bought it in June 2023.

Source: McDowell County records, as of December 2, 2025

Owner of Record	2 Individual Names on File
Mailing Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 17, 2020	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Oct 16, 2019	Warranty Deed, Transfer · VA Mortgage UNITED COMMUNITY BANK
Feb 1, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Prior Sale	Oct 16, 2019 · Amount on File
Deed Document Number	20232928
Deed Book / Page	1439 / 45
Prior Transfer Date	Nov 6, 2006
Prior Transfer Doc	0008930350
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jun 26, 2023
Property Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103
Document Number	0014390045
Book / Page	1439 / 45
Map Reference	MB 9 PG 18&19
Instrument Date	Jun 23, 2023
Instrument	2023002928
Transaction Type	Transfer
Record Updated	Jul 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4696 MAIDEN HWY, MAIDEN, NC 28650-9189

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103

Mortgage

Document Number	0014390050
Date	Jun 26, 2023
Book Page	1439/50
Instrument	2023002929

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103
Document Number	0013160274
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	VANTAGE PT TITLE INC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 NATHAN MCDANIEL DR NEBO NC 287616103, NEBO, NC 28761-6103

Mortgage

Document Number	0013160274
Date	Jul 22, 2020
Book Page	001316/000274
Instrument	3537

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 21, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 16, 2019
Property Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103
Document Number	0012890510
Book / Page	1289 / 0510
Instrument Date	Oct 10, 2019
Instrument	2019005022
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103

Mortgage

Document Number	2019005023
Date	Oct 16, 2019
Instrument	2019005023

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 1, 2017
Property Address	540 NATHAN MCDANIEL DR, NEBO, NC 28761-6103
Document Number	0012030966
Book / Page	001203 / 000966
Instrument Date	Feb 1, 2017
Instrument	500
Transaction Type	Transfer
Record Updated	Apr 11, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$500.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 NATHAN MCDANIEL DR NEBO NC 287616103, NEBO, NC 28761-6103

Tax Assessment & Valuation

The 2025 property tax bill for 540 Nathan McDaniel Dr was $2,283.

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,283.00	$336,830 Land $50,000 Building $286,830
2023	$2,216.00 (+30.2%)	$336,830 (+32.14%) Land $50,000 Building $286,830	$336,830 (+32.14%) Land $50,000 Building $286,830
2022	$1,702.00	$254,900 Land $40,000 Building $214,900	$254,900 Land $40,000 Building $214,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 540 Nathan McDaniel Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 540 Nathan McDaniel Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	115 / 7
Skyrunner Fixed Wireless	25 / 10

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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